- Banking-as-a-Service (BaaS) + Blockchain native infrastructure
- Licensed Financial Institution (UK/EU/CH/US/CA/NZ coverage)
- Core offering: Accounts, Wallets, Payments, FX, Cards, Asset Management, Distribution of Structured Products – FULLY White-Label
- es-Currencies: regulated, fiat-backed, streamable e-money tokens
- Multi-chain support: EVM (Polygon, Binance, Base) + non-EVM (Solana, Hyperledger, Canton Network)
- Finance Interoperability Layer (FIL): unified identity, policy-as-code, AI routing across fiat + crypto rails, x402 Compatible
- Fiat-backed 1:1: es-Currency are 1:1 backed
- Issued under e-money licenses: Fully regulated e-money tokens, distinct from unregulated stablecoins
- Streamable: Enabling per-second settlements and real-time payments, a significant upgrade from traditional batch processing.
- On-chain transparency: Auditable reserves and proof-of-settlement.
- Multi-issuer protocol: Inter-institution liquidity networks for broader adoption across financial ecosystems.
- Programmable money: Incorporates policy-as-code, embedding rules and AML compliance directly into the token's logic.
Unstable banking relationships, high friction, and rigid cut-off times create significant operational challenges.
Over-reliance on external issuers means limited control over economics and reserve management.
Opaque spreads, delayed settlements, and high intermediary costs hinder efficient international transactions.
Fragmented across multiple platforms, leading to manual reconciliation and inefficient liquidity allocation.
Duplicative KYC/AML processes and complex Travel Rule requirements increase operational overhead and risk.
Current payout systems are slow, inflexible, and lack modern streaming or programmable logic capabilities.
Ephelia's unique "sandwich" architecture streamlines the movement of value, offering superior efficiency and control for crypto exchanges.
- On-Ramp: Users deposit fiat (SEPA, FPS, SWIFT, ACH) or stablecoins/crypto. Ephelia ensures issuer-agnostic support for all major stablecoins, preventing vendor lock-in.
- Settlement Layer: All assets are internally converted to Ephelia's proprietary es-Currencies for processing. This enables 24/7 instant settlement, streamable flows, optimal FX, and policy-as-code capabilities.
- Off-Ramp: Users withdraw their funds back to fiat (bank account) or stablecoins (USDT, USDC, EURC, es-Currencies) seamlessly.
- Result: CEXs gain full control over their settlement processes, significantly reduce operational costs, enhance user experience, and capture valuable float revenue.
Facilitate FIAT deposits and custody of major stablecoins.
Automatic conversion to es-Currencies for efficient internal clearing and settlement.
Enable instant withdrawals - 24/7 availability with no cut-off times.
A streamlined integration replaces the need for multiple providers, offering a comprehensive solution.
Generate revenue through an es-Currencies marketing program.
Robust, embedded KYC/AML processes, secure wallet whitelisting, and on-chain blacklisting capabilities.
Ephelia's Cross-Border FX corridor engine empowers Tier-2 CEXs to offer competitive, crypto-native remittance and cross-border payment services directly to their retail users.
This streamlined architecture ensures efficient, transparent, and compliant international fund transfers, leveraging both traditional fiat rails and blockchain technology.
CEXs can provide their retail users with a familiar, crypto-native remittance service, akin to Wise but built for the digital asset economy.
Our AI-driven engine dynamically selects the most optimal path for each transaction based on real-time cost, speed, and compliance parameters across fiat and blockchain rails.
Users benefit from real-time FX rates, on-chain proof-of-settlement, and automated reconciliation for complete peace of mind.
Unlock new revenue streams, significantly improve user retention, and differentiate your exchange from competitors with a cutting-edge offering.
This product drives increased es-Currency volume and generates valuable FX spread revenue, strengthening Ephelia's position in the market.
Crypto Exchanges currently face complexities paying dozens of partners (Market Makers, Liquidity Providers, Merchants) through fragmented methods like traditional bank wires, stablecoins transfers, and manual reconciliation.
A unified B2B wallet and IBAN system, powered by es-Currencies, designed for efficient and unified settlement across all partner types.
- Automated mass payouts
- Intelligent automated netting
- Robust collateral and margin management
- Flexible credit lines denominated in es-Currencies
Partners can seamlessly deposit fiat currencies or major stablecoins (USDT, USAT, USDC, EURC), which are then settled internally using es-Currencies for optimal efficiency.
Partners withdraw fiat or stablecoins only when liquidity is needed, significantly reducing on-chain fees and optimising liquidity management.
This hub delivers lower operational costs for CEXs, ensures instant settlement, and enables highly programmable payment logic for sophisticated financial operations.
Ephelia's Streaming Payouts revolutionise how funds are distributed, enabling continuous, real-time value transfer directly to beneficiaries.
Shift from traditional batch processing to continuous, per-second value streaming, ensuring immediate and dynamic fund distribution.
es-Currencies are locked in smart contracts, enabling programmable payouts governed by policy-as-code rules based on KYC level, risk score, or performance milestones.
Perfect for affiliate/creator payouts (drip cash-out), market maker performance-based streaming rewards, and continuous user "earn" program distributions.
Users can redeem their streamed value to fiat currencies or major stablecoins (USDT, USAT, USDC, EURC) at any time, maintaining liquidity and control.
A category-defining feature, Ephelia offers native streaming capabilities that are unavailable from competitors like.
Ephelia's On-Chain IBAN & Unified Treasury solution bridges the gap between traditional banking and decentralised finance, offering a single, integrated platform for managing all fiat and crypto assets.
CEXs receive virtual IBANs directly mapped to on-chain addresses, supporting both EVM and Solana ecosystems for broad compatibility.
Facilitate fiat deposits via IBAN that convert to es-Currencies for on-chain transfers, and stablecoin deposits that directly swap to es-Currencies.
Move liquidity instantly between diverse entities and geographical regions using es-Currencies, powered by Ephelia's robust FX engine.
Every internal fund movement is tracked transparently on-chain, enabling real-time reconciliation via webhooks and ensuring audit readiness.
Gain a comprehensive overview of all fiat, crypto, and es-Currencies balances through a white-label UI, simplifying complex financial monitoring.
Eliminates manual reconciliation processes, significantly improves capital efficiency, and provides an audit-ready financial infrastructure.
Ephelia’s AI-powered FX Smart Routing is designed to navigate the complexities of cross-border and cross-asset value transfer, ensuring optimal efficiency for every transaction.
Fixed routing methods often result in suboptimal costs and speeds, failing to adapt to the dynamic and diverse requirements of various transaction types in the crypto ecosystem.
An intelligent AI routing engine that continuously evaluates all available transaction paths in real-time, integrating traditional fiat rails, Ephelia's es-Currencies, and major stablecoins for unparalleled efficiency.
Routing decisions are based on a comprehensive analysis of real-time cost, transaction speed, liquidity availability, evolving KYC/AML policy requirements, and current network congestion.
For a user withdrawing EUR to USD, the engine instantly determines the most efficient path – whether direct fiat FX, a multi-leg es-Currencies swap (EUR→es-EUR→es-USD→fiat USD), or via a USDC bridge – selecting whichever is cheapest/fastest.
Generates new revenue streams through micro-fees per routing decision, favourable FX spreads, and an increase in the Total Value Locked (TVL) within the es-Currencies ecosystem.
Delivers significantly lower average transaction costs for CEX users, superior execution quality, and maximises capital efficiency for the exchange.
Ephelia redefines regulatory adherence by embedding compliance directly into the core infrastructure, ensuring proactive and transparent operations for Crypto Exchanges.
Leverage verifiable credentials and selective disclosure to streamline user onboarding, eliminating repetitive KYC processes and enhancing privacy.
Embed AML/CTF rules directly into es-Currency transfers, including threshold limits, geofencing, and real-time sanctions screening.
Every transaction is immutably logged on-chain with a hash reference, providing an easily exportable and auditable trail for regulators, ensuring full transparency.
A white-label UI for CEXs, displaying all fiat and crypto flows, policy breaches, and comprehensive audit trails for simplified oversight.
Enables CEXs to demonstrate full traceability of fiat ↔ crypto flows to regulators, meeting stringent requirements with ease.
A proactive compliance narrative that significantly strengthens licensing applications for key jurisdictions like EU MiCA, VARA, and others.
Ephelia's innovative program allows Crypto Exchanges to generate substantial passive income from their operational treasury, fostering a stronger, mutually beneficial partnership.
CEXs maintain their operational balance in Ephelia's es-USD/es-EUR stablecoins, specifically for managing on/off-ramps and settlements efficiently.
The fiat backing for es-Currencies is securely invested by Ephelia in highly liquid, low-risk instruments such as T-Bills and money market funds.
These reserve investments generate competitive interest rates, for instance, an estimated 4-5% on USD and 3-4% on EUR in the current market climate.
Ephelia rebates a significant portion of this generated yield directly back to the CEX, incentivising growth in Total Value Locked (TVL).
Unlike competitors, who cannot share yield on third-party stablecoins like USDT/USDC, Ephelia controls the economics of its es-Currencies, enabling this unique offering.
This program allows CEXs to generate passive income from their operational float, leading to improved capital efficiency and a deeper commercial relationship with Ephelia.
Ephelia seamlessly connects the traditional financial system with the world of blockchain, offering a regulated infrastructure platform: